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Implementation Of The Irb-A Approach: What Impacts On The Organizational Architecture Of Moroccan Banks?
[Mise En Oeuvre De L'Approche Irb-A : Quels Impacts Sur L'Architecture Organisationnelle Des Banques Marocaines ?]

Author

Listed:
  • Jamila EZ-ZAOUINE

    (Université Ibn Zohr [Agadir])

  • Abdelkbir Elouidani

    (Université Ibn Zohr [Agadir])

Abstract

Several banks have demonstrated the significant weight of the Basel reforms, and mainly of the adoption of the most advanced approaches for measuring credit risk. Indeed, the implementation of this approach (IRB-A) implies a change in the organizational architecture affecting one or more aspects of the bank which must be better adapted to prudential requirements (reorganization of the information system, readjustment of the system internal control, redistribution of tacit knowledge and reallocation of decision-making rights). Our objective is to analyze the impact of the implementation of IRB-A on the organizational architecture of banks, to deduce, through the results of our survey, the state of play and the prospects for adoption. of this approach by Moroccan banks.

Suggested Citation

  • Jamila EZ-ZAOUINE & Abdelkbir Elouidani, 2021. "Implementation Of The Irb-A Approach: What Impacts On The Organizational Architecture Of Moroccan Banks? [Mise En Oeuvre De L'Approche Irb-A : Quels Impacts Sur L'Architecture Organisationnelle Des," Post-Print hal-04180161, HAL.
    • Handle: RePEc:hal:journl:hal-04180161
    DOI: 10.5281/zenodo.8238447
    Note: View the original document on HAL open archive server: https://hal.science/hal-04180161
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